Federal credit union · Missoula, Montana · NCUA charter #11300
CLEARWATER
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $1.14B
- Total assets
- 66,586
- Members
- 12.7%
- Net-worth ratio
CLEARWATER scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.14B; members 66,586; net-worth ratio 12.65%; health rank #249 of 4,374; healthier than 93rd of scored peers.
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CLEARWATER vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CLEARWATER sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where CLEARWATER diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 91.00% vs peer 83.90% (+7.10 pp).
CLEARWATER: in-state Call Report ranks
- Health composite ranks #5 of 41 among scored Montana credit unions.
- By total assets, CLEARWATER is #2 of 41 in Montana.
- Montana membership ordinal: #1 of 41.
- One place up in Montana, Valley Financial (#4) scores 97/100, 1 point higher; one place down, FERGUS (#6) scores 95/100, 1 point lower.
CLEARWATER Call Report trajectory
CLEARWATER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $1.14B (2025Q4) to $1.15B (2026Q1).
- Net-worth ratio shifted +0.15 pp (12.50% → 12.65%).
This credit union's 12.65% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
CLEARWATER gives up 4 points in total. Delinquency Rate costs the most, 3.2 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.8 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.2 pts
CLEARWATER health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.65% | +1.47 pp |
| Delinquency Rate | 0.82% | -0.06 pp |
| Return on Assets | 0.83% | +0.32 pp |
| Member Growth | 5.02% | - |
| Loan-to-Share Ratio | 91.00% | +7.10 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.15B | - |
| 2025Q4 | $1.14B | 66,586 |
| 2024Q4 | $1.10B | 63,402 |
| 2023Q4 | $1.03B | 60,139 |
Credit Union Details
- Charter Number
- 11300
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Montana
- City
- Missoula
- Data Quarter
- 2025Q4
Branch Locations (11)
The NCUA branch filing lists 11 physical offices for CLEARWATER, spread across 6 cities.
| Office | City |
|---|---|
| Clearwater - SS (Main Office) | Missoula, MT |
| Clearwater - Bozeman Downtown | Bozeman, MT |
| Clearwater - Butte Main | Butte, MT |
| Clearwater - Great Falls 5th Ave | Great Falls, MT |
| Clearwater - Helena Airport Rd | Helena, MT |
| Clearwater - RS | Missoula, MT |
| Clearwater - DT | Missoula, MT |
| Clearwater - UM | Missoula, MT |
| Clearwater - RUS | Missoula, MT |
| Clearwater - SS Retail | Missoula, MT |
| Clearwater - SV | Stevensville, MT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Montana
A look at other Montana credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for CLEARWATER
Similar total assets
Similar health score
Using this data
- CLEARWATER ranks #249 of 4,374 nationally on financial health and #5 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALTANA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALTANA
Frequently Asked Questions
Is CLEARWATER financially healthy?
CLEARWATER has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #249 of 4,374 nationally on health and #5 of 41 in Montana. Its net worth ratio is 12.65% and its delinquency rate 0.82%.
How does CLEARWATER compare to other credit unions?
CLEARWATER scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (91.00% vs 83.90%).
How can I join CLEARWATER?
CLEARWATER operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CLEARWATER directly for the exact boundaries and application steps.
Is my money safe at CLEARWATER?
CLEARWATER is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CLEARWATER's net worth ratio of 12.65% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.